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HOLIDAY INSURANCE BROKERS

Travel insurance for the USA

The United States is the one destination where underinsuring can genuinely bankrupt you. There is no reciprocal healthcare agreement, no state safety net, and a single emergency admission can cost more than a car before treatment even begins.

This is why the area of cover on your policy matters more for the USA than anywhere else. We arrange travel insurance for the USA with the high medical and repatriation limits a US trip actually needs, not the thin cover that looks fine until you claim

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A worried traveller sits beside a suitcase in a hospital corridor while medical staff wheel a patient away, illustrating the potential cost of emergency treatment and medical repatriation abroad.

Why is travel insurance for the USA so important?

Because US medical costs are unlike anywhere else, and repatriation is the part that escalates. A medical evacuation from the USA to the UK averaged over £192,000 in 2024, and one ABI member paid out more than £1 million for emergency US treatment and repatriation. A policy that saved you a few pounds by capping medical cover low is no policy at all in the USA.

Stressed couple reviewing household bills making online payment at home woman check document while man enters debit card details on laptop budgeting together on couch financial planning responsibility

How much medical cover do I need for the USA?

More than you think, and more than a basic European policy carries. As a rule, look for a medical limit measured in millions rather than thousands, because US hospital bills and air ambulance repatriation sit at the extreme end of what travel insurance ever has to pay. This is not the trip to economise on the medical limit.

If you travel to the USA as well as elsewhere in the year, an annual worldwide policy including the USA covers every trip under one arrangement.

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Does travel insurance cover different US states or cities?

The cover applies across the USA, but the trip type can change what you need. A city break in New York, a fly-drive across several states, a cruise from Florida, or a ski trip in Colorado each carry different risks, from higher-value baggage to winter sports cover. Tell us the shape of the trip and we will match the policy to it.

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Send us a message and our team will be in touch to help arrange your cover. We will take the time to understand where you are going and match the policy to your trip.

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Most Frequently Asked Questions

Why is travel insurance for the USA more expensive?

Because US medical treatment and repatriation are the most expensive an insurer can face. A US repatriation averaged over £192,000 in 2024, so policies covering the USA are priced accordingly.

How much medical cover do I need for the USA?

Look for a limit in the millions rather than thousands. US hospital and air ambulance costs sit at the extreme end of what a policy ever pays out.

Does a UK travel policy cover the USA automatically?

Only if the area of cover includes the USA, Canada and the Caribbean. Many policies exclude these regions or price them separately, so always check before you travel.

Do I need to declare medical conditions for a US trip?

Yes, and it matters most here. An undeclared condition can let an insurer challenge a claim, which is severe against US medical costs. Declare everything so the policy holds.

ivan lambert

21 May 2026

Joanna Soden

26 May 2026

All our dealings with Norton insurance, our multi car policies, has always been great. Renewing our home insurance has been just the same, professional, smooth and stress free! Thank you.

Roger H

28 May 2026

A fine, traditional personal experience with the same agent who knows my requirements over several years. Nearly always providing the best quote available in the market. Highly recommended.

John Fuller

2 June 2026

Polite, and efficient service.